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Cincinnati Water Damage: Article About Flood Damage Insurance

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If floodwaters enter a home, it can lead to serious water damage to a home. In most cases, this will require the services of a Cincinnati water damage company to repair some or all of the damage. However, if there is a need to completely rebuild a home, the total cost could easily amount to more than the home is worth.

The good news is that a flood insurance policy will cover many of the costs related to restoring a home after it has been damaged in a flood. Most people will get their coverage through the National Flood Insurance Program. It may offer coverage for both repairs done to a home as well as some personal property that was damaged by rising floodwaters.

Homeowners also have the option of buying supplemental insurance above and beyond what the NFIP will provide. Those who have valuables such as coins, antiques or cash will not be reimbursed for losses as they are supposed to be kept in a bank. Structural damage to wells and landscaping costs after a storm are generally not covered unless the homeowner has private insurance.

However, the cost of debris removal is covered under a standard NFIP policy. This means that an individual may not have to pay for any damage done by trees that may have been uprooted and crashed through a home in a flood.

The water damage experts at Griffin Contracting and Restoration of Cincinnati OH can assist you with any questions regarding flooding damage or flooded basements.

Getting rid of debris as soon as possible after a flood is important because it can provide a prime location for mold and other airborne irritants to grow and thrive. It may also provide prime locations for mice and other pests to live.

Such a policy will cover the cost of repairing or replacing damaged HVAC components as well as electric and plumbing systems. Carpeting that was attached to unfinished floors and window blinds are other interior objects that will be replaced for homeowners with flood insurance. It will also cover the cost to repair the home's foundation and any other major restoration work. For instance, if new walls need to be put up or the roof needs to be totally rebuilt, that will be covered.

If appliances are damaged and need to be repaired or replaced, flood insurance will cover those costs. This is true whether appliances were attached to the kitchen or were left standing freely. Examples of covered appliances include the refrigerator, dishwasher and stove. Those who have personal property coverage will also be eligible for reimbursement if they have to replace their freezer. Further reimbursement may be available for any food that was in the freezer.

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